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Nobody ever likes to admit when they are wrong, but sometimes it really is best to just cut your losses and run. This can apply to many different things in life, from relationships to money, but since this blog focuses on personal finance, let’s dig into the money parts. Investments Let’s face it — the odds are you’re eventually going to pick a loser and end up taking a big loss on Continue reading When It’s Time to Cut and Run The official US inflation rate in 2011 was “officially” 3.2 percent, but arguably higher, while the average pay hike was just 2.9 percent. Maybe that’s why, when it comes to job complaints, surveys show that employees grouse about their paltry paychecks more than anything else. Ironically, 29% of all workers — and 43% of twenty-somethings — turn down free money each year because they don’t contribute enough into their 401k Continue reading 100 Words On: How to Get an Instant Raise (without Kissing Up) Many folks looking for a way to get out of debt and achieve financial freedom eventually gravitate to financial expert Dave Ramsey’s Baby Steps program. One thing is certain: There is no denying Ramsey’s seven-step plan has helped many people get out of debt over the years. However, I still believe it offers plenty of dubious advice. So what, exactly, are Dave’s seven baby steps? Well, here they are — along with a Continue reading Debt Elimination: The Pros and Cons of Dave Ramsey’s Baby Steps It’s time to sit back, relax and enjoy a little joe… Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance. Here’s what caught my attention over the past week… Happy Easter everyone! Since I’ve got a lot of Easter eggs to hide this weekend, this edition of Black Coffee may be just a bit shorter than Continue reading Black Coffee: Bunnies, Bachelor Parties, Lima Beans & Tilting at Windmills While most people strive to keep their car insurance deductibles as low as possible, the downside is those deductibles result in higher premiums. But for folks who drive limited miles, safe motorists, and those who drive older vehicles that have lost most of their value, it usually makes sense to get the highest deductible one can reasonably afford. That’s because higher deductible policies offer lower premiums that, over time, can Continue reading 100 Words On: When High Car Insurance Deductibles Make Sense This is another post in an occasional series from my dear nonagenarian Aunt Doris. Don’t you just hate it when you’re out and someone comes up to you and says, “Hey! Long time no see! How are you doing?” And then you think: Who are you? Then they start rambling on while you desperately rack your brain trying to place them: Is he an old school chum? A coworker perhaps? Maybe he’s (heaven Continue reading A Few Thoughts From Aunt Doris: Do I Know You? You can show him the money — but without personal responsibility, it ain't going to help him over the long run. How many times have you heard somebody lament that all their financial troubles would disappear if only they had a little more money? The thing is, those are the same people who believe that financial stability is only possible with higher incomes. Of course, they couldn’t be more wrong. They don’t Continue reading How to Fix Your Finances without More Money It’s time to sit back, relax and enjoy a little joe… Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance. Here’s what caught my attention over the past week… Let’s get right to it today. Blogs I’ve Been Following This Week Mighty Bargain Hunter – Is Ten Cents for Two Bucks Worth of Silver a Bargain? While three Continue reading Black Coffee: Why Old Fat Brits Are Luckier Than Gray-Haired Italian Men All things considered, most coffee drinkers realize that brewing their java at home is significantly more cost effective than buying it from Starbucks. However, those who use a typical automatic drip coffee maker may not be saving quite as much as they think because the warming plate typically consumes energy at a rate of 1000 Watt-hours; over time that adds up. For example, a coffee maker left on for a Continue reading 100 Words On: Why Folgers Coffee Is More Expensive Than You Think |
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Why “Coke Rewards” Is For Suckers
Have a coke and a smile — just stay away from their rewards program.
I am absolutely mesmerized by VH1′s Celebrity Rehab and its companion program, Sober House. I find both show’s real-life peek at celebrity addicts’ half-hearted attempts at recovery absolutely, well, addicting.
You can preach all you want from your high horse about the exploitative nature of such a show, but the fact remains the concept is brilliant: Confine
Continue reading Why “Coke Rewards” Is For Suckers